Updated September 28, 2026 · BorrowCue Editorial Team
Lendela vs Smartney
What sets them apart
| Compare |  Lendela |  Smartney |
|---|---|---|
| APR | up to 48% | 17.11% to 36.19% |
| Loan amount | SGD 1,000 to SGD 200,000 | PLN 1,000 to PLN 150,000 |
| Term | 3 to 72 months | 4 to 120 monthsHigher |
| Arrangement fee | SGD 0 | Prowizja (commission) for granting and servicing the loan, charged with interest; e.g. 7,888.64 PLN on the 34,676.56 PLN cash loan example, 0 PLN in the current 0 PLN commission promotion |
| Credit check | None | Hard |
| Funding time | Around 1-2 days from application to disbursement; some within hours | Most customers receive the payout in about 5 minutes; 72.32% within 5 minutes |
| Representative example | Personal loan: $20,000 at APR 6.95% over 5 years, total payable $26,940, monthly cost $449 | Cash loan DaSię Teraz: RRSO 36.19% on 8,553.12 PLN over 37 instalments of 357.64 PLN, total repayable 13,596.49 PLN |
| Lender type | Marketplace | Direct lender |
| Eligibility | Age 21 or older; Singapore citizen or PR (foreigners also considered, higher income threshold); min annual income SGD 20,000-30,000 citizens/PR | Ages 21-70 holding a bank account in Poland |
| Loan types | Personal, Debt consolidation, Business, Secured, Student | Personal, Debt consolidation, Car, Business |
| Rate type | Not confirmed | Variable |
| Free early repayment | Not confirmed | Yes |
| Credit needed | Fair | Not confirmed |
Same on both: Use cases (Home improvement).
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Key differences
- Smartney scores higher overall: 9.0 vs 8.5.
- Lendela is available in 1 more country.
- Term is higher at Smartney: 4 to 120 months vs 3 to 72 months.
- Features: only Lendela offers Credit line.
- Loan types: only Lendela offers Secured, Student.
- Loan types: only Smartney offers Car.
Our verdict on each
Lendela
Lendela suits Singapore borrowers who want a fast loan without a credit check. The marketplace matches amounts of SGD 1,000 to SGD 200,000 over terms of 3 to 72, with an APR of up to 48% set by the lender you are matched to.
Smartney
Smartney is a Polish direct lender whose speed and wide term choice suit borrowers who need cash quickly and can clear a hard credit check. Costs sit at the high end: a variable rate, and a representative example at the top of the 17.11% to 36.19% range.
Score breakdown
| Area | Lendela | Smartney |
|---|---|---|
| Cost | Not confirmed | 8.9 |
| Offer | 8.9Fees are SGD 0 to arrange a personal loan and SGD 0 on the mortgage side. | 8.9Direct lender: 17.11% to 36.19% on amounts of PLN 1,000 to PLN 150,000, terms of 4 to 120. |
| Trust | 8.2 | 9.2Higher |
From lowest to highest
| Fact | Lendela | Smartney |
|---|---|---|
| APR | up to 48% | 17.11% to 36.19% |
| Term | 3 to 72 months | 4 to 120 months |
Licences and countries
| Country | Lendela | Smartney |
|---|---|---|
| Poland | Not confirmed |
Additional countries for Lendela: 2. Additional countries for Smartney: 1.
Where these facts come from
Lendela
- sg.lendela.com: 16 facts, checked September 26, 2026
- hk.lendela.com: 1 fact, checked September 26, 2026
Smartney
- smartney.pl: 17 facts, checked September 26, 2026
How they place
| Ranking | Lendela | Smartney |
|---|---|---|
| Personal loans | 74 of 1932 | 106 of 1932 |
| Debt consolidation loans | 26 of 425 | 42 of 425 |
| Business loans | 10 of 435 | 14 of 435 |
| Home improvement loans | 31 of 562 | 51 of 562 |
Every fact side by side
| Fact | Lendela | Smartney |
|---|---|---|
| Features | Same day funding, Credit lineCovers more | Same day funding |
| Legal entity | Lendela Pte. Ltd. | Smartney Grupa Oney S.A. |
| Headquarters | Singapore | Poland |
| Founded | 2018 | Not confirmed |
| Support channels | Email, Phone, Help centre | Email, Phone, Help centre |
Mortgages
| Fact | Lendela | Smartney |
|---|---|---|
| Initial rate | 2.4% | Not confirmed |
| Product fee | SGD 0 | Not confirmed |
| Purpose | Purchase, Remortgage | Not confirmed |
Where each stands against the rest
| Fact | Lendela | Smartney | Median |
|---|---|---|---|
| APR | up to 48%highest quarter | 17.11% to 36.19%above the median | 8.99 |
| Term | 3 to 72 monthsabove the median | 4 to 120 monthshighest quarter | 60 |
Median across 1005 listed lenders.
Pros and cons
Lendela
Pros
- No credit check at all, and a fair credit profile is enough to apply.
- The range covers personal, debt consolidation and business lending under one roof.
- Funding is quick, with disbursement within hours on some applications.
Cons
- A marketplace model (marketplace) means the matched lender sets the rate, so up to 48% is a ceiling.
- That ceiling is steep next to 10% to 23% at Monzo Flex.
- Support runs on email, phone and help centre, with no live chat listed.
Smartney
Pros
- Payouts usually land in minutes, and same-day funding is offered
- Free early repayment, so clearing part of the balance early costs nothing extra
- Amounts of PLN 1,000 to PLN 150,000 over terms of 4 to 120 cover personal, consolidation, car and business lending
Cons
- Credit checks are hard, so a rejected application can leave a mark on the credit file
- Costs sit high, with the representative example at the top of the 17.11% to 36.19% range
- The rate type is variable, so the cost can move over the term
Who each suits
Lendela
Who it suits
- Singapore citizens and permanent residents with a steady income who need money quickly.
- Borrowers with fair credit, or who would rather avoid a credit check altogether.
- Anyone funding home improvement work, its named use case: home improvement.
Who should look elsewhere
- Not for lowest rate seekers: Monzo Flex runs at 10% to 23%.
- Not for shoppers after a cost free product: Cashspace ES lists 0%.
- Not for borrowers outside Singapore: Cashspace serves the Philippines at PHP 12 to PHP 36.
Smartney
Who it suits
- Borrowers with a bank account in Poland who need the money quickly
- Anyone consolidating several debts into a single instalment
- Drivers and homeowners funding a car or home improvement work
Who should look elsewhere
- Cost-first borrowers, since Monzo Flex lists 10% to 23% and Cashspace ES lists 0%
- Anyone wanting a locked instalment, because the rate type here is variable
- Borrowers who cannot pass a credit check that is hard
Current offers
Smartney
Current offer
Bonus
0 zł prowizji (Pożyczka w jednym palcu): 0 PLN commission for granting and servicing the loan
07.09.2026-31.10.2026, new customers who had no Smartney loan before, 10,000-20,000 PLN over 72-84 months, once per promotion; example RRSO 15.5%
Source, checked September 26, 2026
Country by country
| Country | Lendela | Smartney |
|---|---|---|
| Hong Kong | Yes | No |
| Poland | No | Yes |
| Singapore | Yes | No |
Questions about each
Lendela
What APR does Lendela charge?+
The published APR runs to up to 48% on personal loans, and that figure is a ceiling rather than a rate every borrower pays. Because Lendela is a marketplace, the rate depends on the matched lender and on your own credit standing.
Are there fees to arrange a loan?+
The origination fee on personal loans is SGD 0, and the product fee on the mortgage side is SGD 0, so arranging a facility itself costs little. Interest remains the main price of the money, and the representative example shows how instalments add up.
Smartney
What does a Smartney loan cost?+
The representative APR is 17.11% to 36.19% on amounts of PLN 1,000 to PLN 150,000, and the rate type is variable rather than fixed. The published example sits at the dearer end of that range, so the total repayable figure is the number to check before you apply.
Is there an arrangement fee?+
There is a commission for granting and servicing the loan, charged together with the interest rather than taken as a separate upfront payment. The current promotion waives that commission, so on a promoted loan the interest is the only charge on top of what you borrow.
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